After speaking with a few lenders, I reached out to Providential and it was immediately clear that…read moreTuan and his team operate on a completely different level. Everything was professional and above board, but his experience and guidance made the process feel far more approachable and comfortable than I expected as a first-time buyer. He offered thoughtful insight into the nuances of the process, communicated clearly and consistently, and helped me understand what really mattered at each step. Both my agent and the seller's agent were impressed, and we were able to get our offer accepted on the first home we pursued. Once you speak with Tuan, the difference is obvious. Highly recommend.

Tuan and Mike were absolutely amazing to work with!! Tuan was always available to answer questions…read moreand break down the process for us.

We are closing on a house this week and had to share our fantastic experience working with Chris!…read moreFrom start to finish, he made the entire process feel easy and seamless. Chris was always responsive, communicative, and proactive about keeping us informed at every step. He answered all of our questions quickly and clearly, which gave us so much peace of mind during what can be a stressful process. Beyond that, he's just a genuinely personable and kind person, just an absolute pleasure to work with. We're so grateful for his expertise and support, and wouldn't hesitate to recommend him to anyone looking for a smooth, efficient home loan experience!

Chris is an extremely detail-oriented and professional. He carefully reviews every document you…read moreprovide to ensure it fully meets the requirements before submitting it to the underwriter. Because of his thoroughness, the underwriting process moves very efficiently, with little to no additional documentation requested. He explains each step of the loan process clearly and patiently, making sure you understand what is needed and why. His communication is transparent and organized, which makes the entire experience much less stressful. Thanks to his careful preparation and proactive approach, my loan was approved very quickly and smoothly. I truly appreciate his professionalism, efficiency, and dedication. I would highly recommend Chris to anyone looking for a knowledgeable and reliable loan officer.

My husband and I were looking to refinance our home mortgage, so we decided to contact a couple of…read moreloan consultants.Katty Wong came highly recommended, so I called her and she immediately gave us a great interest rate. She gave us guidance on what we needed to fast track the process, which took about two days after we submitted our paperwork to her team. Whenever we had a question, Katty would get back to us right away, and she would contact us if anything was urgent that needed to be taken care of. Although there were a couple of issues with our documentation, she and her team made sure to get them rectified. The process was seamless, simple, and fast on their part. It was wonderful working with Katty, who is professional, patient, and knowledgeable, and her delightful team. We would definitely recommend her to family and friends. Thank you！Sandra

From the owner: Purchase, refinance, cash out, jumbo loan VA, FHA loan…read moreOptions for buying before having to sell current home Specializing in buying and homeselling

Top notch mortgage banker. I have known Sean for last 5 years across his 2 firms and taken 2 loans…read morewith him. Cant recommend him highly enough. Super transparent, never pushy, always delivers on his promise. He cant change the interest rates that Fed or his bank decides :) but for everything else "Better call, Sean"

Sean is very good at communicating on whats happening through out the loan process. He also went…read moreabove and beyond to get us a good deal.

Fran was just amazing to work with!!…read more I say that, because my wife and I are absolutely the worst kind of home buyers. We constantly complain about: Oh the train track noises! Oh the school ratings! Oh the price is too high! Oh the layout wouldn't fit my TV habits! Oh the neighbor's dog looked at me funny! Oh the previous owner didn't plant the right kind of lemon trees! Oh the house's feng shui was all wrong! etc. Plus SO MUCH MORE. To put it mildly, we were terrible. Absolutely the worst. Demanding, picky, but without the kind of money that would allow us to be picky or demanding on anything. But that didn't turn Fran away. She didn't give up on us. She patiently worked with us, educated us, gave us the boost in confidence to buy a home, and ultimately found us the perfect home to call our own. Best of all, she DID NOT abandon us like the hot potatoes we are, right after we got our keys. For reasons we just can't understand, she stood by us even to this day, still helping us to find the right contractors to update the house, offering us tips on cleaning, talking us out of unnecessary expenses, and even continuing to laugh at my cringe jokes in our text messages!! She's not just our agent... She's effectively our friend and now a part of our family for real! (I can see her shudder with this comment...). Fran absolutely started our 2025 on a positive note. TLDR: Fran's fantastic, and anyone would be lucky to have her as their agent.

This will be our first time leaving a yelp review and to be honest, I didn't have to think twice…read moreabout leaving one. but any way, We had the pleasure of working with Fran during our home-buying journey and I couldn't be happier with the experience. Fran truly listened to our preferences and what we were looking for in a home. With our price range, It was not easy. lol with that being said, she made the entire process incredibly smooth and stress-free. Having her by our side, was an absolute breeze. Her ability to find properties that aligned with our wishes and price range was impressive. Frans attention to detail made all the difference. I felt like we had someone on our side who genuinely cared about helping us find the perfect home. If your in search for an agent, I wholeheartedly recommend Fran any day of the week, and I will definitely reach out for our next home purchase. Thank you for making our home-buying experience a truly enjoyable one Fran.

First home buyer here! Jay has been absolutely helpful in our journey in home ownership, not just…read morethe securing mortgage part. He was my go to person for all things financial related to home ownership and he knew i could count on his honest advice. He always delivered the honest feedback regardless whether or not we'll end up with his services or not. He also did fair price and rates comparison with other providers and was always available to answer any questions or take those lengthy calls if needed. But not just that, he also offered the best rates in the town which always helps financially. 10/10 from us. I'd highly recommend working with him and his team!

Great job with our initial loan and refinances. Clear, proactive, professional, and helped educate…read moreus along the way.

We have refied our original loan that Nelva helped us with, again through Nelva! Our…read morecircumstances were very difficult having had a short sale in our recent past. We found that other lenders were unable to deliver the kind of assistance we needed. Through Nelva and her underwriters, we were able to refinance our loan and get rid of our PMI in under a year. We called Nelva to see if she could help and naturally, it was a matter of a little investigation, but the criteria that needed to be met was rather easy for our particular situation. Nelva helped us through every step and explained anything we questioned. There was a little snafu in the end concerning closing costs. January 2015 regulations changed and the interpretation was vague. Allowing, it seemed, for lenders holding notes to request one thing and yet something else was suppose to be the rule. What ever the outcome was, Nelva held fast to what she told us, letting us know that if any extra cash was needed, her company would come to the table for us. WOW. Customer service at it's ultimate very best. Sticking by one's word is not the norm, especially in real estate. Excuses or exceptions are generally given. So needless to say and yet I'll say it anyway, Nelva and her company, Diversified Mortgage, are Extremely Honorable and Trust Worthy. If we find ourselves in the favorable position to refinance to a lower interest rate, Nelva is going to be the first person we call. Hands down, great job. Nelva Samiee is an asset and Diversified Mortgage is a fantastic company to do business with. So is the lender they set us up with. We couldn't be happier all the way around. Do you actually like making your mortgage payment? We do!

Nelva has magical powers. Yes. Yes, she does. Initially, we were working with the guy who…read moreusually handles our loans, but then he told us that what we wanted to do was impossible - buy a house and then sell our existing home. We knew it was going to be extremely difficult to sell first and then buy, as our toddlers make a mess of the house daily. There was no way we would be able to have nice "open houses" and sell our house prior to purchasing a new one. Our real estate agent put us in contact with Nelva and she made everything work! Nelva was fast, efficient, and friendly. I am pretty sure we have a record time for closing on the house that we purchased. It happened in a snap. Really. She is also very easy to contact, which totally helped keep the whole process feel a notch lower on the stress factor - a bonus when you're in the middle of trying to buy a house. Any time we had questions or wanted updates, we knew we could call, text or email. Her responses were immediate. She was amazing. If you are reading this review, you are done searching for the person who will help you with your loan. She is that person.

Sharing my experience with Amit Inamdar and Renuka Inamdar…read more These guys are fraud and would give all false information and misguidance , even they will offer you rebate which you will end up loosing Though i went as a buyer, all through (so called) "power hour with Amit Inamdar" (as they advt on radio), they tried to power me up to go for million dollar property that i clearly said no.I went to Amit Inamdar since radio advertise said he is certified negotiator , and I dont even got a dime negotiated , neither rebate. They again and again try to sell mortgage product which i was not interested in From the very first minute, I could not get answers to basic house buying questions and every time i have been asked to refer to recorded presentation of theirs. This childish play continued in later calls as well ,there was no effort made for clarifying client questions. Treating client respectfully is way too much expectation from this business I already had property selected and was looking for expert help on contract and negotiations with the seller.This duo did not do any market research and did not help me to save single penny. On top of it i lost any negotiation chance that i had due to their commission Renuka told me not to get any clarification for my genuine property related specific questions to seller since as per her it would upset the seller, lol, what a broker!!! After first ever only property visit Renuka did not returned my call, messages, email since she got herself registered for the commission. Renuka did not show up for final deal with seller which was decided week in advance.Her husband Amit called at the appointment time and asked to change the date Amit offered commission rebate in very first discussion which he denied at the closing and asked to sign a contract to stop my ability to review his business anywhere and on internet You may refer his email message here. To give agreed upon commission , he wants me to sign contract to not to review his business in public Amit Inamdar wrote "I do not want to have you bad month us, like you did and asked for 60% commission back. Settlement agreement covers what everyone wants. We need written agreement, to give agreed upon commission back. We need agreement in writing to avoid further issues." After my initial honest review on Yelp, he asked me take it down and accepted mishandling from his side Later he end up denying agreed rebate and insisted for above contract to be signed , no wonder why there are all negative reviews for him

As a first time home buyer from another country, Amit & Renuka's guidance was extremely helpful and…read morereassuring for us. They're extremely friendly, sociable, knowledgeable and helpful. A friend of my husband listened to Amit & Renuka's radio show and recommended them to us. At first, we weren't convinced about contacting a realtor, but after we met Amit and Renuka, we realized how much they bring to the table, how patiently they answered all our questions (even the ones we thought were silly!) We felt they were a good match for us and it was proved right away as our 1st offer was accepted. Their first time home buyer webinar was an eye-opener for us. The initial consultation with Amit was absolutely fantastic -- it helped us determine our financial reach, what we could afford. He helped us understand the Bay Area real estate market, what part of the Bay Area will continue to appreciate. His insights were invaluable in making us understand and navigate the neighborhoods. November 2015 was a very hot market and we knew we had to move pretty quickly since there were multiple offers for every home that went on the market. Amit & Renuka negotiated everything -- the price, terms, and contingencies. Since we were new and just starting our lives in the valley, we were extremely grateful for the help they provided. Renuka accompanied us for home showings and had a lot of knowledge about the neighborhoods. They also assisted and guided us on all requirements, paperwork, timeline as well as the tiny but significant details that we would have never known about if we hadn't reached out to them. They are extremely professional and they went well over and above what they were required to do. Renuka even stepped out on Christmas day to deliver the key to us -- we were extremely touched by her gesture! For these reasons, I give Amit and Renuka a 5-star rating. And I will highly recommend Amit & Renuka to everyone.

Stella and her team are excellent at handling complicated scenarios. The most important thing in…read morethe loan process is knowing it can be closed on time. I was anxious that my situation might cause delays, but Stella not only ensured the loan closed on schedule--she made it happen weeks ahead of time. That was truly remarkable. Her team kept communication clear, prompt, and smooth throughout the process. I will definitely be a returning customer and highly recommend Stella and her team to everyone.

We worked with Stella Dai and her processing team for our primary home refinance from a 7/1 ARM to…read morea 30yr fixed loan, effectively lowering the rate by 0.375% (below 3%) I am thrilled to write this review for their outstanding work. I started looking into refinance early in August as the rate keeps dropping and would like to take Advantage of the low interest rate. A few banker friends referred a few brokers and Stella is among one of them. I work with all of them simultaneously requesting daily updates on the interest rate. I was aiming at a no point no cost low interest rate refinance for 30yrs fixed mortgage. This is hard to get because I wanted to prevent multiple hard credit inquiries with different lenders at the same time hoping the rate would drop lower. Without the hard credit inquiry one cannot locked the interest rate for the refinance. I missed a short window to lock the rate in August. Coming into September, Stella convinced me to have all documents ready and do the hard credit pull while waiting for the my target rate. The stock market tanked in early September and the opportunity emerged for the rate drop. On Sep 9th, target rate appeared and she informed me and decisively locked the rate for me for 30days and my refinance is closed with quicken loan(one of the lenders the broker works with) on Oct 5. I am very pleased because Stella and her team is on top of things and answered all my questions timely. Stella is also the expert at what she does and I felt confident my refinance would get done timely. I also felt so lucky to get the rate because the interest rate started recovering shortly after that with no sign of coming down. I highly recommend Stella and her team if you are considering refinance and I am sure they will help you find a solution you need. A few take away points: 1. Don't hesitate to lock the rate when the rate is within target 2. Have all the documents ready in the beginning when deciding to do refinance 3. Hard credit inquiry last for 60 days so plan accordingly

What all the other past reviewers have said about this place still rings true as of 2019 end…read more.. Buyer selected, complete lack of communication. In the end of closing this caused a complete cluster of problems leaving us frantic and concerned our purchase may not go through. I was ready to walk away from all that however now it appears our personal information may have been compromised. Homebuyers beware - Be sure to have some kind of credit monitoring in place following completion of escrow. Better yet, avoid this place altogether if you have the opportunity.

I worked with Lara Wood, worst experience company ever. I closed Jun mid,by the time I got my…read moretitle. It had the wrong name, they said they will fixed and actually screwed up again, it was never recorded with the county, this is after 3-4 months.